I've applied with both of these cards every year, including this one, since my BK back in 2011. I know there must be a way to get these cards, as I've seen others do it. One of them, I think it was Citi, told me on a recon call that they don't base their decisions on FICO. I know this doesn't sound right, but if an application asks me if I have filed for bankruptcy, would not answering know make someone actually look at it, vs. an automatic turn down? Seeking advice here.
